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Investor Presentaiton

RESILIENT LOAN PORTFOLIO QUALITY COST OF CREDIT RISK RATIO ECL provision created for the full economic cycle in 1Q20 proved to be sufficient LOAN PORTFOLIO QUALITY NPL coverage 92.7% 90.5% 80.9% 76.3% 90.9% NPL coverage adjusted for collateral value Entering the COVID-19 environment with a de-risked banking sector 2.2% 1.6% 0.9% 1.8% I 2.4% 130.6% 129.9% 3.8% 3.3% 139.6% 128.8% 140.9% 3.7% 2.6% 2.1% 546 414 301 318 253 0.1% 2017 2018 2019 2020 9M20 9M21 Dec-17 Dec-18 Dec-19 Dec-20 Sep-21 INPLS, GEL millions NPLs to gross loans 30

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